| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +1.3% | +1.8 pts |
| Share growth (YoY) | +6.8% | +0.7% | +6.2 pts |
| Loan growth (YoY) | -12.7% | -2.4% | -10.4 pts |
| ROA | -0.42% | 0.60% | -1.0 pts |
| ROE | -5.1% | 4.1% | -9.2 pts |
ROA ranks in the 14th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.8M | $9.9M | $7.1M | $901K | $-11K | -0.42% | 3.94% | 7.41% | 1,538 |
| Q4 2025 | $10.8M | $9.8M | $7.4M | $912K | $-349K | -3.24% | 5.50% | 6.26% | 1,537 |
| Q3 2025 | $10.4M | $9.4M | $7.6M | $959K | $-315K | -4.05% | 5.83% | 6.31% | 1,542 |
| Q2 2025 | $10.4M | $9.3M | $7.9M | $1.1M | $-198K | -3.81% | 5.91% | 5.56% | 1,750 |
| Q1 2025 | $10.5M | $9.2M | $8.1M | $1.2M | $-32K | -1.21% | 6.13% | 7.11% | 2,708 |
| Q4 2024 | $10.4M | $9.1M | $8.5M | $1.3M | $145K | 1.39% | 6.01% | 7.95% | 3,038 |
| Q3 2024 | $10.1M | $8.8M | $8.6M | $1.2M | $89K | 1.17% | 6.40% | 5.92% | 2,988 |
| Q2 2024 | $9.9M | $8.7M | $8.8M | $1.1M | $8K | 0.16% | 6.47% | 5.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.42% | 0.60% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | -5.1% | 4.1% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 2,916 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.9M · securities $58K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 111.1% | 81.5% | 91th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.